Most people have heard of non-fault accidents before. But, there can be different ideas about what this term actually means and the claims process. The best thing you can do is be informed and know about this topic in case it happens to you and you need support. Let’s take a look at ten misconceptions about non-fault accident claims.
Non-Fault Means No Responsibility
One common misconception is that when an accident is labelled “non-fault,” it means nobody bears responsibility. This is wrong and something you don’t want to assume. Non-fault doesn’t equal blameless. Responsibility can be shared between parties, even in non-fault accidents. Normally, you still have to report this to the policy. Yes, one party might be blamed for the accident. But, it doesn’t mean that it should be ignored.
Insurance Will Always Cover Everything
Let’s clear the air on this one. Insurance policies have their limits and deductibles. Don’t assume everything is covered. Sometimes, the at-fault party’s insurance plays a role in covering your expenses. Don’t assume that you’re going to walk away from the situation without spending a penny. For example, you have to think about your excess, and if you have one that’s high, you’ll have this to pay. This can be frustrating if the accident isn’t your fault. But, it’s something that should be considered when you’re taking out insurance.
Non-Fault Accidents Don’t Affect Insurance Rates
Do you think your insurance rates are immune to non-fault accidents? Think again. They can indeed affect your premiums. However, there’s some hope with policies offering accident forgiveness. Something you always want to do is choose your car insurance carefully and always read the small print.
Note that there are some claims services you can use which means you don’t have to involve your own insurer. Check out https://www.rtaclaims.co.uk/non-fault-accident, and you can read more about what this service can do for you if you’re in a non-fault accident.
No Need to Contact the Police for Non-Fault Accidents
“Somebody else is at fault; why involve the police?” Well, even in non-fault accidents, getting the police on the scene is a wise move. Their report can be a lifesaver when dealing with insurance companies. They’re going to note down important details, and that can help you recover compensation from the situation. So, make sure you report this incident to the police after it happens.
Non-Fault Claims Always Settle Quickly
Patience is a virtue in the world of non-fault claims. These claims don’t always wrap up quickly. Factors like complexity and negotiation can influence the settlement timeline. It can take several months for a situation like this, and even if you think it’s straightforward, there’s still a process to follow.
Non-Fault Claims Are Always Easy to Win
Not all non-fault claims are a walk in the park. They can get complicated. Evidence is your best friend. The more you have, the better your chances. So, when the accident happens, ensure that you document everything around you. Take photos of your car, the other vehicle and even the road. Don’t forget to capture your injuries too.
Non-Fault Claims Don’t Need Legal Representation
“Do I really need a lawyer for a non-fault claim?” Sometimes, yes. Attorneys can be superheroes, especially in complex cases or when dealing with a stubborn insurance company. If you believe that the other party is going to dispute what happened, it can be good to have a lawyer on your side.
Non-Fault Claims Are Always Fully Compensated
The myth that non-fault claims always result in full compensation is just that—a myth. Limitations can apply, and dealing with underinsured or uninsured motorists can make matters trickier.
You Must Accept the Initial Settlement Offer
The first offer isn’t necessarily the best offer. You have the right to negotiate. Don’t rush to accept the initial settlement; consider your options and make an informed decision. Many people make the mistake of just accepting it because it’s something. But, sometimes, this offer is deliberately low in the hope you’ll take it. So, don’t rush and really consider whether it’s a fair offer.
Non-Fault Accidents Are Rare and Uncommon
We often think non-fault accidents are the stuff of urban legends. But the truth is, they’re more common than you might imagine. Awareness and preparedness are key. You don’t want to think about being in an accident. But, you could be, and it’s always best to know what you should do next.
In conclusion, non-fault accident claims can be a maze of myths and misunderstandings. But now that you’re armed with the facts, you’re better prepared to navigate the often confusing world of non-fault claims. Remember, knowledge is power. Stay informed, stay confident, and stay safe on the road.